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Red Tower Capital is committed to common sense underwriting for both residential and commercial loans. We take the time to see your vision and your dreams. Unlike banks and other conventional lending sources, we strive to see your needs from your point of view. With competitive rates and terms and a real-world approach to underwriting, we can help make your goals a reality.

Bridge Loans

RTC’s Bridge Program provides lending on assets that are in transition with less documentation than traditional financing options.

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Owner-Occupied Bridge

Our Owner Occupied Bridge Loan Program allows Buyers to be very competitive when buying a home. With our Owner Occupied Bridge Loan Program, buyers can purchase their new home before selling their existing home,  without having to meet the stringent debt to income ratios of a conventional lender.

At this time, we only make Owner Occupied Bridge loans in California.

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Custom Loans

When nothing else seems to fit, a Custom Loan may be just what the borrower needs.

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Fix & Flip

For experienced fix & flip developers, RTC’s Fix & Flip Loan Program reduces down payment requirements, greatly increasing their ability to acquire, improve, and rehab properties.

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Recently Closed Loans

  • $960,000

    San Mateo

    Refi Cashout

    Office / Light Industrial

  • $1,800,000

    Berkeley

    Purchase

    Multifamily

  • $705,000

    Seaside

    Refinance

    Adult Care Facility

  • $700,000

    Oakland

    Refi Cashout

    Fourplex

  • $2,000,000

    San Francisco

    Purchase

    Industrial

  • $1,300,000

    San Francisco

    Refinance

    Fourplex

  • $2,750,000

    Desert Hot Springs

    Refi Cashout

    Warehouse + Greenhouse

  • $3,100,000

    Long Beach

    Construction

    Retail

  • $325,000

    Chowchilla

    Purchase

    SFR

  • $875,000

    San Pablo

    Purchase

    Mixed-Use

  • $8,500,000

    Richmond

    Refi Cashout

    Warehouse

TESTIMONIALS

What They Say About Us:

Having known Red Tower Capital for over 10 years, I can safely say, they are the most reliable private lender in the market.

Red Tower Capital solved my financing problem. They are great! Thank you!

Red Tower has done the easy loans for our clients. But when needed, they have also provided custom solutions to our borrower's needs. Thanks again!

Although I also invest in stocks, real estate and gold, I keep some of my funds in Red Tower's mortgage fund to provide me consistent income.

Red Tower Capital provided multiple loans to me over the years. They are easy to work with and very responsive. Thank you!

We have placed a handful of loans successfully with the Red Tower team over the years. Thank you for funding our deals!

Scott G.

Investor

Lucy A.

Borrower

Russ M.

Mortgage Broker

Rob B.

Private Investor

Justin R.

Borrower

Chris M.

Mortgage Broker

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Borrower FAQs

What are the advantages of borrowing privately?

  • Fewer requirements than more conventional lenders.
  • A simpler and quicker application and closing process.
  • Being able to borrow against vandalized and seriously damaged properties.
  • Less scrutiny of the borrower’s personal financial situation, including income and historical tax returns.
  • Borrowers can allocate less time to seeking financing and instead concentrate on other activities.
  • Focus on the merits of the specific loan under consideration vs. the borrower's credit and documentable income.
  • Borrowing by self-employed borrowers is easier.

What are the requirements to qualify for a private loan?

This varies a lot based on property type, loan scenario, LTV and loan amount. Smaller loans with lower LTV on more traditional properties have less documentation requirements. We look at the “exit strategy” of the loan scenario also.

How does Red Tower Capital determine the loan amount?

At Red Tower Capital, we determine loan amount by internal underwriting taking into account any 3rd party appraisal or BPO.

Will credit issues prevent a borrower from qualifying for a standard private loan?

No, a borrower can still qualify with credit issues, as we can also look at income, assets, LTV and/or exit strategy to help qualify the borrower.

What is the minimum and maximum loan amount?

Usually between $100,000 and $20,000,000.

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